The Khyber Pakhtunkhwa (K-P) government has launched the Ehsaas Nojawan Program, an initiative to empower youth by providing interest-free loans and creating employment opportunities. The program is part of the larger “Ehsaas Initiatives” aimed at boosting the province’s economy and supporting young entrepreneurs. Chief Minister Ali Amin Khan Gandapur inaugurated the initiative at a ceremony held in Peshawar. Provincial cabinet members, officials, and selected beneficiaries were present at the event.
The program has a total budget of Rs3 billion, focusing on providing interest-free loans to individuals and groups to establish their own businesses. This effort reflects the government’s vision of fostering financial independence among the youth and promoting entrepreneurship over traditional employment.
| Feature | Details |
| Budget | Rs3 billion over three years. |
| Loan Range | Rs100,000 to Rs5 million. |
| Repayment Period | Up to 8 years, with a 20-month grace period. |
| Eligibility | Youth aged 18 to 40 years for various loan categories. |
Table of Content
Inclusive Financial Support for Entrepreneurs
The Ehsaas Nojawan Program primarily focuses on providing interest-free loans to youth across K-P. Young individuals or groups of three to five people aged between 18 and 40 years can access loans ranging from Rs100,000 to Rs5 million. These loans enable young entrepreneurs to start or expand businesses in various fields, ensuring financial independence and economic growth. A flexible repayment schedule with up to eight years and a 20-month grace period is also offered.
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Special Quotas for Marginalized Groups
To ensure inclusivity, the program has allocated specific quotas for marginalized groups:
- 15% for women.
- 2.5% for differently-abled individuals.
- 5% for Madressah students.
- 2.5% for minorities.
These measures reflect the government’s commitment to equal opportunities for all, helping disadvantaged groups contribute to the province’s economic development.
Collaboration with Financial Institutions
The initiative collaborates with the Bank of Khyber (BoK) and Akhuwat Microfinance Bank to distribute loans.
- BoK handles loans for groups, offering Rs1 billion in funds for business ventures.
- Akhuwat provides Rs2 billion for individual loans between Rs100,000 and Rs500,000.
These partnerships ensure efficient loan distribution and greater outreach to young entrepreneurs in urban and rural areas.
Youth Internship Program
The Ehsaas Nojawan Program includes a Chief Minister Youth Internship Program, providing skill development and work experience opportunities.
- Each year, 400 internships will be offered with a monthly stipend of Rs25,000.
- Over three years, 1,200 students will gain practical exposure in public and private sectors.
This component aims to enhance the employability of young individuals and prepare them for future challenges.
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Vision for Future Ehsaas Initiatives
The Chief Minister announced plans to launch additional programs under the Ehsaas umbrella, such as:
- Ehsaas Apna Ghar Program for affordable housing.
- Ehsaas Rozgar Program to promote job creation.
- Ehsaas Hunar Program for skill development.
These programs, with a combined budget of Rs15 billion, further demonstrate the government’s dedication to holistic youth development.
Application Process
The application process for the Ehsaas Nojawan Program is simple and accessible.
- Finally individuals can apply online through the official portal.
- Applicants must provide detailed business plans or preferences for internships.
- Selection is based on merit, ensuring transparency and equal opportunities.
Conclusion
The Ehsaas Nojawan Program marks a significant step toward youth empowerment in Khyber Pakhtunkhwa. By offering financial assistance, skill-building opportunities, and special quotas, the program encourages entrepreneurship and promotes economic growth. It aligns with the government’s vision of creating a self-reliant and prosperous youth population.
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FAQs
What is the Ehsaas Nojawan Program?
The Ehsaas Nojawan Program is a government initiative providing interest-free loans and internships to empower youth in K-P.
How can I apply for the program?
You can apply online through the official Ehsaas Nojawan portal by submitting a business plan or internship preference.
What is the loan repayment period?
The loans have a flexible repayment period of up to eight years, including a 20-month grace period.
Are there opportunities for women in the program?
Yes, the program has a 15% quota reserved for women to ensure their participation and empowerment.